I don't have any agreements apart from the banks, searches... I think I can definitely say that was from these motorbike insurance quotes I was searching, I did about 5 or 6 at least, so these searches are derogatory on my report then? Credit ratings, how do I find that? I can see the score and they are anything from 0 to 500 I think 

Arrangements? and searches? this is all new to me, so if you can spare a few seconds and explain those - that be great. And yes I don't have much of a credit history just under 12 months and on the Equifax it says I've had for 6 years?!  and I have checked my report and I don't know whether it's hit double or not, all I know ...

I've just obtained my report and my score is 298 - which is very poor, however all risk signals are satisfactory (or in the green) credit aggreements are mostly excellent and everything else is good or excellent so why is the score very poor?

No I never gave them the details of my halifax current account and anyways my minimum monthly payments have been on time?

Hi, I recently looked at this months statement and found that my current account had been debited from my mbna cc and I didnt set this up at all?! so whats going on?  ...

hmm I'll proberly give the credit reference agencies a read, but thnks all for the advice. I suppose just getting the balance all paid back will be the best right?

Ah I see. Well a few missed minimum monthly payments and the balance is around 1000, recently kept up with payments. What credit file? and what do you mean by wrongly applied? are you reffering to credit cards? Aorry if I seem slightly slow but I like to be in the know and this is all fairly new to me :) all the best

Well it's been 12 months already and already applied for another but was declined, and is now thinking of applying for a current account. Will they also use credit scoring to access eligibility for current accounts? and finally I've read about signing the person onto a family members credit card (who has a good score) how ...

Hi all, I have a family relative who has missed a few payments and has also be declined credit, I was wandering if there is anyway to help and rebuild the score? all the best